Research on Financial Difficulties Prediction and Optimization Strategies of Small and Medium-sized Enterprises Based on Support Vector Machine
29 set 2025
INFORMAZIONI SU QUESTO ARTICOLO
Pubblicato online: 29 set 2025
Ricevuto: 01 gen 2025
Accettato: 16 apr 2025
DOI: https://doi.org/10.2478/amns-2025-1097
Parole chiave
© 2025 Mingyue Duan, published by Sciendo.
This work is licensed under the Creative Commons Attribution 4.0 International License.
Figure 1.
Confusion matrix table
| Methods | Predicted/Actual | non-ST | ST | Accuracy (%) |
|---|---|---|---|---|
| Model of this article | non-ST | 21 | 1 | 93.48% |
| ST | 2 | 22 | ||
| Total | 23 | 23 | ||
| PSO-SVM | non-ST | 17 | 3 | 80.43% |
| ST | 6 | 20 | ||
| Total | 23 | 23 | ||
| GA-SVM | non-ST | 17 | 2 | 82.61% |
| ST | 6 | 21 | ||
| Total | 23 | 23 | ||
| Grid Search SVM | non-ST | 18 | 5 | 78.26% |
| ST | 5 | 18 | ||
| Total | 23 | 23 |
Accuracy of prediction on imbalanced classification data sets
| Sample collection | SVM(%) | ICA-SVM(%) | Model of this article(%) |
|---|---|---|---|
| N-GongY | 68.84 | 71.35 | 72.18 |
| N-ShangY | 75.65 | 76.53 | 78.17 |
| N-ZongY | 68.83 | 72.3 | 73.09 |
| N-1-Year-ST | 70.67 | 74.43 | 75.47 |
| N-2-Year-ST | 70.97 | 71.53 | 73.16 |
| N-3-Year-ST | 63.27 | 69.23 | 70.49 |
| N-1-Year-Predict | 71.27 | 74.88 | 77.17 |
| N-2-Year-Predict | 70.18 | 71.84 | 75.01 |
| N-3-Year-Predict | 69.98 | 71.47 | 72.24 |
Accuracy of prediction on balanced classification data sets
| Sample collection | SVM(%) | ICA-SVM(%) | Model of this article(%) |
|---|---|---|---|
| GongY | 77.81 | 82.12 | 83.15 |
| ShangY | 80.27 | 83.11 | 83.52 |
| ZongY | 73.74 | 77.98 | 80.4 |
| 1-Year-ST | 78.01 | 80.56 | 80.58 |
| 2-Year-ST | 77.98 | 79.5 | 81.29 |
| 3-Year-ST | 74.48 | 77.03 | 82.3 |
| 1-Year-Predict | 78.28 | 80.65 | 82.8 |
| 2-Year-Predict | 76.26 | 80.12 | 82.59 |
| 3-Year-Predict | 72.41 | 78.5 | 80.95 |
Accuracy and Accuracy
| Algorithm | Accuracy(%) | CPU time(s) |
|---|---|---|
| Grid Search | 78.21 | 99.05 |
| GA | 82.55 | 70.03 |
| PSO | 84.76 | 58.42 |
| GWO | 84.74 | 55.29 |
| Model of this article | 87.01 | 48.44 |
Basic composition of data sample set
| Sample collection | Total number of samples | Number of enterprises in financial distress | Number of financial health enterprises |
|---|---|---|---|
| GongY | 282 | 141 | 141 |
| ShangY | 76 | 38 | 38 |
| ZongY | 54 | 27 | 27 |
| 1-Year-ST | 122 | 61 | 61 |
| 2-Year-ST | 170 | 85 | 85 |
| 3-Year-ST | 182 | 91 | 91 |
| 1-Year-Predict | 166 | 83 | 83 |
| 2-Year-Predict | 206 | 103 | 103 |
| 3-Year-Predict | 278 | 139 | 139 |
Basic composition
| Sample collection | Total number of samples | Number of enterprises in financial distress | Number of financial health enterprises |
|---|---|---|---|
| N-GongY | 282 | 152 | 130 |
| N-ShangY | 76 | 39 | 37 |
| N-ZongY | 54 | 22 | 32 |
| N-1-Year-ST | 122 | 71 | 51 |
| N-2-Year-ST | 170 | 66 | 104 |
| N-3-Year-ST | 182 | 85 | 97 |
| N-1-Year-Predict | 166 | 72 | 94 |
| N-2-Year-Predict | 206 | 99 | 107 |
| N-3-Year-Predict | 278 | 108 | 170 |